About Geoff McIvor
Experienced and knowledgeable Mortgage, Loan and Insurance Adviser
For over 25 years I have helped borrowers of residential, rural, commercial loans save time, cost and hassle. I find the most suitable lender solution to your borrowing needs and provide guidance throughout the full process relieving you of uncertainty and doubt.
On your behalf I can liaise with the bank, solicitor, accountant, valuer and real estate agent to ensure the right thing is done for you in an efficient and timely manner.
My constant and regular dealing with the lenders gives me invaluable insight as to what is available - terms and conditions you may not be able to negotiate for yourselves.
I become your advocate.
Frans and I have found Geoff to be an excellent mortgage broker. Drawing on his 30 years working in the financial world he has obtained great knowledge and expertise and he simply gets you what you want.
First home buyers
Buying your first home can be daunting, but it doesn’t need to be. We explain all the jargon and talk you through what might work best for you. We understand the KiwiSaver and how it can help you buy your first home, including how the first home buyers deposit subsidy works.
Talk to us about the different finance options; you may not need a 20% deposit as many people believe – perhaps a 10% deposit will be adequate. We also can access 100% finance. We can discuss the pros and cons of supporting family finance and/or guarantees.
With your focus on investment returns, not paperwork, the right loan with the right features will help you save time and money. We understand what’s happening in the Manawatu and surrounding districts real estate market because we live here. We take the time to understand your unique situation and investment strategy and can advise which loans will suit your needs best.
We understand business management and growth strategies. At Loan Market Manawatu we will talk you through your options. We are able to help you into the right loan. While you work for yourself, it can be difficult to get all the necessary paperwork together. We can provide advice on lo-doc loans which do away with the need for the traditional proof of income such company financials or tax returns. This is a great option for self-employed New Zealanders to finance their property investments.
You might be starting your business or going through a period of growth or change. At Loan Market Manawatu we know that finance is a crucial part of the success of your business. We’ll take into account your needs and finances to find the right loan for your situation and review your loan regularly to make sure you’re always on the best deal.
25 years rural lending experience in Canterbury and the Lower North Island over a wide range of enterprise types brings considerable knowledge to the ‘discussion and planning table’.
My experience includes being a Lending Manager with AMP Bank including a wide range of Rural and Commercial finance as well as some Residential Loans I have tertiary training in Agricultural Commerce (Lincoln) and held a Valuers Public Practising Certificate for many years. I also am a RFA (Registered Financial Adviser) FSP72281 and a member of FSCL #198. For a short stint I was also a CFM for a national property investment and development company undertaking greenfield subdivisional projects.
Let’s talk about LVRs. Did they actually change?
Not exactly. What has changed is the Reserve Bank of NZ’s requirements of trading banks in NZ to abide by mandated rules that had been put in place.
Money is cheap, but is it easy to get?
In what is close to the perfect storm for our business, money is the cheapest it has ever been, but it has also never been harder to access.
To break or not to break, that is the question.
With Interest rates at an all-time low, a lot of people are thinking about breaking their current fixed rate to reset at something lower. This is effectively breaking the contract you have signed with the bank, the benefit on the face of it appears obvious for the borrower – stop paying an old fixed rate above 4% and start paying a new rate of perhaps 2.79%.